You can call the bank's customer service hotline to cancel. However, it is necessary to meet the premise that the credit card can be cancelled by telephone, dial the corresponding bank customer service phone number, and enter the card number and information according to the prompt before the account can be cancelled. You can also cancel at the business outlets.

Cancelling an inactive credit card will have no effect on you, and it will not work if someone finds out or you reactivate it, but you can reapply if necessary.

After successful cancellation, you cannot apply for the same credit card within one cycle.

Inactive cards do not need to report the loss, that is, valid accounts are frozen. There is a charge for reporting the loss of a credit card, because there is a handling fee to reissue the card.

Direct cancellation is not activated, and the credit card account is cleared before cancellation, which does not affect credit.

After receiving the user's credit card application, the bank will review it according to the applicant's conditions. Generally speaking, even if the credit card application is rejected, the bank will notify the applicant by SMS or telephone, rather than "silently". Although credit cards are usually sent by registered mail, in principle, they must be signed by themselves. However, the management of registered letters in some communities is not strict, which will lead to the fraudulent use or loss of registered letters, so that credit cards are not obtained by applicants after they are issued.

This answer is provided by Kangbo Finance, focusing on the interpretation of financial hot events, the popularization of financial knowledge, the pursuit of professionalism and interest, so that the financial content that the people can understand can convey financial value in vivid and diverse ways. I hope this answer is helpful to you.